Costco Anywhere Visa Card by Citi

The standout here is fuel: strong cash back on gas (up to an annual spending cap) makes it a winner for high-mileage drivers, plus bonus dining and travel and Costco purchases. It has no separate annual fee, but you must keep a paid Costco membership, so factor that cost in. Rewards arrive once a year as a certificate redeemable at Costco, not monthly statement credit, which annoys people who want flexible cash. Past the gas cap the rate drops. Confirm the current cap on citi.com.

Costco Anywhere Visa Card by Citi at a glance

Rewards & perks

• 4% on gas
• 3% on dining and travel
• No foreign purchase fee

Pros

• No annual fee as long as you're a Costco member
• Outstanding rewards on gas
• No foreign purchase fee

Cons

• You have to be a Costco member
• The yearly reward comes as a certificate you redeem at Costco

Who should apply

• A current Costco membership
• Credit in the good-to-excellent range

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Costco / Citi site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.